TacticalPay
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For CCW & CHL instructors

Merchant accounts for CCW, CHL & LTC classes

Get paid when students register for the concealed carry training your state requires.

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A short application to start — most FFLs approved in 24–72 hours.
TacticalPay T1 payment terminal
1,000+
firearms merchants helped nationwide
// Why FFLs switch to us

We're in the firearms business too — and we're here for the long haul.

A merchant account that treats your industry as the norm, not the exception. This is the core account every TacticalPay product builds on.

2A-friendly, always
Firearms is all we do. Selling guns, ammo, or accessories will never put your account at risk.
We won't drop you
No sudden holds, no frozen funds, no dropped accounts for your industry. Your money keeps moving.
Approved in 24–72 hrs
Next-day approvals for most FFLs. Apply today and start taking payments this week.
No restrictions or caps
No volume ceilings and no product bans. Sell what you legally sell, at the scale you sell it.
Texas-based human support
Call or email and reach our in-house team. Real firearms-industry experts, no runaround.
Rates that fit your industry
Flat, transparent pricing that doesn't punish you for your MCC. What you see is what you pay.
The problem

A permit requirement in most states — and still hard to process

Concealed carry permit holders have grown roughly 7x in twenty years, and most states require certified instruction to get one. Instructors delivering that legally required training still get turned down for merchant accounts.

Online registration with Authorize.net
TacticalPay Tap for in-person payment
Why we fit

Approved to take payment for the class you're required to teach

Whatever your state calls it — CCW, CHL, LTC — we board the businesses that teach it. Take payment when students register instead of chasing cash on class day.

  • Online registration and prepayment
  • In-person payment at the range or classroom
  • Straightforward pricing, no surprise fees
// Pick your setup

Four Ways to Get Paid.

Every option runs on the same 2A-friendly merchant account — start with one and add more anytime.

Tap
App · iPhone / iPad / Android
Tap

Take payments with your phone — no terminal needed.

Pro
Countertop terminal
Pro

The T1 all-in-one terminal — swipe, dip, and tap at the front counter.

Online
Online · eCommerce
Online

Sell on your site or GunBroker with a firearms-friendly gateway.

POS
Full point of sale
POS

A complete retail POS bundle — register, printer, and drawer.

// The details

About CCW & CHL Classes

Snapshot: The Concealed Carry Industry

Firearms education is a pillar of the firearms industry. Classes on the proper use and storage of firearms, as well as self defense are not only helpful, but also required for obtaining concealed carry permits in many states.

Naturally, there are many businesses that offer the instruction necessary to meet the requirements of various US States to issue CCW permits to residents, and in some cases non-residents. With some reports stating that concealed carry permit holders have grown 7x in the last 20 years (and still rising), the concealed carry training industry is a clear growth area.

It's worth noting that each state may have its own name for a concealed carry permit, which can include: Concealed Carry Weapon (CCW); Concealed Carry Pistol (CCP); Concealed Carry Permit (CCP); Concealed Carry License (CCL); Concealed Pistol License (CPL); Concealed Handgun Permit (CHP); Concealed Handgun License (CHL); Concealed Weapons Permit (CWP); License To Carry (LTC); and License to Carry Firearm (LTCF). Note that merchant services offered for "CCW training" would pertain to any of these state-specific terms and acronyms, as well.

Merchant Services For Businesses Offering CCW, CHL & LTC Courses

If you legally operate a business that offers CCW, CHL or LTC training classes, you may have been previously turned down for a merchant account from a mainstream bank or merchant services company.

Or worse, your firearms training business may have had its merchant account terminated with little to no previous notice.

Many banks and merchant services providers will not accept your business for one of two reasons:

  1. Firearms are highly regulated by the federal government, and therefore, additional underwriting is required by the credit card processor.
  2. Because firearms and the 2nd Amendment are a "hot button" political issue, many banks and merchant services companies have taken an "anti" 2nd Amendment stance, and refuse to work with CHL instructors, even if they are otherwise highly desirable clients.

Tactical Payments, by contrast, was founded with the exact mission to serve firearms industry businesses. We will offer you competitive pricing, easy integration, and friendly, USA-based customer support.

// How it works

From Application to First Swipe in Days.

A light lift to start — the detailed underwriting happens in your account, guided step by step.

1
A few minutes
Apply online
Tell us the basics about your business. No long forms, no obligation — you land straight in your dashboard.
2
24–72 hours
Get approved
Our in-house team reviews your file fast. Most FFLs are approved next day, with a real person you can call.
3
Day one
Start processing
Connect a terminal, POS, or gateway and take your first payment. Deposits settle in 2 business days.
// What merchants say

Trusted by FFLs Nationwide.

5.0
★★★★★
12 reviews
★ 5.0 on GoogleVerified Google reviews →
★★★★★
“I recently went to all electronic. POS, FFL Books, Fingerprints, etc. It has been a challenge for me but Rich with tactical pay has been a real asset. He always has time and gets me going asap. Thanks Rich and Tactical Pay.”
Clyde Wilson
June 2026
Google
★★★★★
“Switching to Tactical Pay was one of the best business decisions I've made. I came from WorldPay after dealing with frozen funds, constant headaches, and what felt like the longest underwriting process imaginable. I found myself answering…”
Deven Sollie
June 2026
Google
★★★★★
“great group of folks, would highly recommend”
Andrew Carr
March 2026
Google
★★★★★
“I'm finally able to access this page. I really appreciate the professional service that I got from Heather & Bill while getting setup to process our cc request. Their knowledge and care in making sure that we got positioned to allow our…”
Elliott Anderson
February 2026
Google
★★★★★
“I had the pleasure of working with Bill and Nathan, and they both delivered exceptional service from start to finish. They were professional, responsive, and took the time to ensure everything was handled thoroughly and efficiently. I…”
Al Patrick
February 2026
Google
★★★★★
“Nathan and Kyle were great! Easy set up and a super knowledgeable team.”
Hudsco Industries
December 2025
Google
// Questions

CHL Class Merchant Account FAQs

The following are the most frequently asked questions we get from businesses interesting in being approved for a CCW, CHL & LTC training merchant account from Tactical Payments.

What kinds of CCW / CHL / LTC training businesses do you accept as merchants?

Tactical Payments accepts a wide variety of firearms training businesses, including independent course instructors, local gun clubs which offer courses and instruction, as well as firearms retailers that offer CCW / CHL / LTC courses as an ancillary business to their retail operations. All merchants must abide by all applicable Federal, State, and Local laws and regulations. Plus, for CCW / CHL / LTC or other training courses: Must have documented firearm instructor certification through the National Rifle Association, TCLEOSE, Security Officer training, or the military.

What criteria does my CCW / CHL / LTC training business need to meet, to approved for a merchant account by Tactical Payments?

To be approved for a merchant account by Tactical Payments, your training business must meet the following criteria: (a) your business must be located, and operate, solely within the United States of America (and the business owner must be a US citizen with a SSN); (b) you must be willing to provide the following documentation: (1) a voided business check or verified bank letter, (2) a valid government ID such as a driver’s license, (3) 3 months’ previous business bank statements, or personal bank statements if the business is a startup, and (4) 3 months’ previous credit card processing statements, if applicable.

ADDITIONALLY, for CCW / CHL / LTC or other training courses: Must have documented firearm instructor certification through the National Rifle Association, TCLEOSE, Security Officer training, or the military.

​Is Tactical Payments compatible with my existing ecommerce or Point Of Sale (POS) software?

Training businesses typically have a preferred ecommerce or POS (Point Of Sale) software system they use. Because Tactical Payments works with most major payment gateways (including Authorize.net, USAePay and NMI), our merchant accounts integrate with most popular ecommerce and Point Of Sale systems. Tactical Payments is compatible with Shopify, WooCommerce, BigCommerce, Magento, Volusion, and many other ecommerce software packages, and is also compatible with GunBroker.com.

// Ready when you are

Get the Merchant Account Built for CHL Classes.

Create your account in minutes, or talk to a real person on our Texas team. No obligation, transparent pricing, and switching is easier than you think.

Get startedTalk to sales